Customer Service Representative

Bank N.A.; Cobourg; On-site; CAD 32,000 - 42,000; Full time

Job summary

Bank N.A. in Cobourg, Canada, is seeking an entry-level Client Associate to deliver exceptional service and guidance on financial solutions.

You will identify customer needs, discuss personal and business banking options, and collaborate with branch teams to create a seamless experience across channels. The role emphasizes digital tools, customer education, and referrals to specialists, while maintaining high service standards and compliance.

Qualifications

• No prior experience necessary; post-secondary degree or certification in related field is desirable.
• High-level knowledge of personal, commercial and partner offers and how each serves customers.
• Confident using social media and digital devices to assist customers with banking needs.
• Able to help customers gain confidence using digital banking tools.
• Professional presence and approachable demeanor.
• Basic knowledge of sales and business banking solutions for referrals.

Responsibilities

• Delivers exceptional service to BMO customers and prospects.
• Identifies customer needs and provides advice regarding financial solutions.
• Works with branch teams and partners to deliver the customer experience.
• Initiates referrals to BMO colleagues.
• Handles transactions and customer inquiries.
• Offers guidance on digital and self-serve options.
• Welcomes customers and understands their banking plans and credit card needs.
• Escalates complex issues to managers when required.
• Contributes to branch business results and customer experience.
• Supports branch operations and cash transactions; follows risk and compliance policies.

Skills

Customer service

Sales & referrals

Digital banking

Communication

Collaboration

Problem solving

Relationship building

Education

Post-secondary degree or certification in related field

Tools

Smartphones

Tablets

Online banking tools

Job description

Application Deadline:11/26/2026

Address:62 King Street West

Job Family Group:Retail Banking Sales & Service

Delivers exceptional service to BMO customers and prospects. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers.

Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives.

Identifies customer needs and initiates referrals to BMO colleagues.

Supports customer requests for banking services, including handling transactions and customer inquiries.

Welcomes customers warmly and meets their banking service and transactional needs with seamless execution.

Offers advice and guidance on available digital and self-serve options with the goal of making it easy, simple, and fast to bank with BMO.

Reviews customer profiles and engages customers in a needs-based conversation to identify potential opportunities and address everyday banking plans and credit card needs.

Escalates complex or unresolved customer situations to managers as required.

Contributes to meeting branch business results and the customer experience.

Supports operational activities (e.g. inventory management, escalated service requests, following up on customer applications, filing, opening and closing activities).

Manages, loads, and reconciles cash transactions between treasury and various branch units (e.g. CRU).

Executes routine tasks (e.g. service requests, transactions, queries, etc.) within relevant service level agreements.

Acts as a key member of a collaborative and versatile branch and market team.

Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice.

Organizes work information to ensure accuracy and completeness.

Takes the initiative to find creative approaches that make each customer's experience feel personal.

Looks for ways to contribute to the ongoing improvement of the overall customer experience.

Contributes to business results and the overall experience delivered.

May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.

Follows through on risk and compliance processes and policies to ensure we safeguard our customers' assets, maintain their privacy, and act in their best interest.

Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.

Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations.

Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.

Complies with legal and regulatory requirements for the jurisdiction.

Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements.

Completes standardized tasks under supervision.

Performs initial problem solving within given rules/limits & escalates when required.

Broader work or accountabilities may be assigned as needed.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

• No prior experience necessary; post-secondary degree or certification in related field of study is desirable.
• High-level knowledge of personal, commercial and partner offers, and how each can best serve customers' individual needs.
• Confident and experienced in the use of social media, tablets, smart phones, online tools, and applications.
• Highly skilled at helping people who don't find digital applications intuitive to gain confidence in how to use them and to understand their benefits.
• Projects a professional presence.
• Basic knowledge of specialized sales and business banking solutions to refer to specialists.
• Passionate commitment to helping customers.
• A focus on delivering a personal experience to customers.
• Resourceful self-starter with courage and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
• Basic knowledge learned on the job.
• Verbal & written communication skills - Basic (in business environment).
• Organization skills - Basic (in business environment).
• Collaboration & team skills -